The number of Canadians with disability coverage through their workplace has been on the decline for the past six to seven years. Unfortunately, out of the Canadian workers who do not receive disability coverage through work, the vast majority of them do not or have not obtained disability coverage on their own by working with insurance providers independent from their workplace. 

If you do not currently have disability insurance you must ask yourself: would I be able to recover financially if I was disabled in an accident and could not work for a minimum of three months? If you, like the majority of Canadians, would be in financial hardship in the case of an accident or incident leaving you disabled and unable to work, it’s vital that you obtain disability coverage for yourself as soon as possible. 

Barriers To Obtaining Disability Coverage 
The first question many Canadian workers ask is why? Why has work disability coverage become less common and less obtainable through the workplace? Why are so many Canadians without disability coverage in the first place? The answer to these questions is not always simple, however, there are a few common reasons why many Canadians are left without disability coverage. 

Primarily, their workplace simply does not offer disability coverage. Secondarily, contract or part-time workers are often unqualified to receive disability coverage. Thirdly, self-employed or freelance Canadian workers do not automatically receive disability coverage. Finally, many Canadians who do not receive disability coverage through the workplace feel as though they cannot afford to obtain it themselves. 

Take Steps To Obtain Protection 
If you are one of the millions of Canadians who do not have disability coverage through their workplace or otherwise, it’s imperative that you take the time to go through your workplace coverage and determine what coverage you do have, then seek out alternative methods of obtaining disability coverage. In most instances, disability insurance is not as expensive or inaccessible as you may have been lead to believe, and it’s vital that you have it so you do not face financial hardship or even ruin due to an accident or incident out of your control. 

Life, Disability, And Income Insurance With Canadian Premiere 
If you’re in need of disability coverage because you don’t have it through your work, choose to invest in a Life, Disability, and Income Insurance plan with Hudson’s Bay Financial Services and Canadian Premiere. Life, Disability and Income (LDI) Insurance is unique as it offers three separate products in one convenient solution that can help you meet your financial obligations while dealing with an involuntary job loss, disability or accident, or loss of life. Plans start as low as $19.99 a month, and you can earn up to 4,000 Hudson’s Bay Rewards points when you sign up and every year on renewal.1

Protect yourself from financial instability and
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For more than six decades, Canadian Premier Life Insurance Company has been committed to providing financial security for Canadians who are facing uncertainties. They now insure more than 1 million Canadians from coast to coast.

1 Each Hudson’s Bay Rewards points offer is limited to one Rewards account per household. Rewards points will be issued within four to six weeks.

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